Home Insurance in Penermon, Missouri
With a median home value of $44,700, Penermon is 69% lower than the Stoddard County median.
The typical home in Penermon was built around 1964. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 37% of homes were built before 1960, about 12 points above Stoddard County's 25%.
The housing stock in Penermon is 82% single-family homes and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
Almost no owner-occupied homes in Penermon carry a mortgage.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 96% of occupied homes in Penermon are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Penermon, 52% of homes are primarily heated with propane.
FEMA rates Stoddard County's overall risk as Relatively Low, led by earthquake (Relatively Moderate). Stoddard County had 181 active NFIP flood policies as of September 2026. See the full Stoddard County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in Missouri is $1,589 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $44,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 96% |
| Share of owner-occupied homes with a mortgage | 0% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Stoddard County | 181 |
| Home insurance premium | $1,589 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)